Our Process
How We Make Lending Decisions
Simple Process. Expert Care. Accelerated Results.
Our lending process is built on a structured decision framework that combines the speed of modern technology with the insight of experienced underwriters. Every transaction follows a clear path from enquiry to completion.
Four Steps to Funding
Decision in Principle
Under 2 minsWe gather the high-level details of your deal and provide instant feedback. Our intelligent system interprets your requirements and confirms whether a transaction is likely to proceed.
- High-level details only
- Instant indicative feedback
- Intelligent interpretation
Full Application
One set of infoOnce the DIP is issued, we collect the structured data required to move forward. No repetition, no chasing - just clear, logical steps. We also arrange valuation and legal quotes during this stage.
- Structured data collection
- No repeated questions
- Valuation & legal quotes arranged
Credit Approval
Expert ReviewThis is where human judgement comes in. Our experienced underwriters review the complete file, assess the full picture and make pragmatic, informed decisions. Technology organises - experts decide.
- Human underwriting review
- Complete file assessment
- Pragmatic decision-making
Completion
Funds ReleasedWith approval confirmed, funding is processed and capital allocated. Our operations team coordinates with solicitors to ensure swift, smooth transfer of funds to complete your transaction.
- Funding processed
- Capital allocated
- Swift transfer of funds
Why Smooth Is Fast
Smooth is fast. True speed does not come from rushing. It comes from clarity, structure and correct execution.
Our process is designed to eliminate friction, not create it. By gathering the right information at the right time, making clear decisions quickly, and maintaining consistent communication, we achieve genuine speed - not the illusion of it.
See how it worksTechnology Meets Human Expertise
Technology
- Organises and structures information
- Tracks progress in real-time
- Eliminates manual bottlenecks
- Ensures nothing falls through the cracks
Human Expertise
- Makes the final lending decisions
- Applies experience and judgement
- Understands nuance and context
- Provides pragmatic solutions
“Our technology speeds up decisions. Our experience is what confirms them.”
— Sam, Managing Director
What This Means For You
No wasted time
Know where you stand immediately, not after weeks of waiting
Fast, informed feedback
Clear answers based on structured evaluation
Human decisions
Experienced underwriters make the final call, not algorithms
Complete transparency
Understand exactly what's happening at every stage
Ready to experience the difference?
Start your journey with a Decision in Principle - it takes less than two minutes and gives you immediate clarity on your funding options.